Bankruptcy question? related questions

In chapter 13 I understand that must provide tax returns to the trustee. While you are allready in the plan ... How do you know if or how you get a refund? Do they need to turn in copies of your tax returns each year? My second question is . If I get a refund from the IRS , but I have to state, the court will allow you to pay the other with the refund? before I flip it make ?

My father died in September and the bank called in the loan that was in the house because he owed much more to note what the house / property is worth ....
One of my questions is my half sister that my father left half of the house is claiming his lawyer told him that by law the bank has to keep sure my father was the first time I originally took out the loan to pay the loan if he died even if he does not pay fees (which he did - my brother had to force him into bankruptcy a decade ago to pay what was behind it otherwise would have lost the house), because it is said ACT since banks began to make mortgage loans in late 1940 / early 1950.
Then she said her lawyer said that since my father was an old man when the original loan was with Washington Mutual, that his being an older person also makes it LAW that banks must carry insurance to pay the mortgage even if lost payments.
Then you think of another story that his lawyer had said that when Obama new mortgage laws implemented, also left the law for banks that made home loans for senior citizens must pay for the insurance on the loan, even if payments and have lost even die during the term of the loan or if you have a loan modification is in the works or even if you die while the house is in foreclosure and has not been sold yet.
My brothther (the other person my dad left the house) is done with the house and wants nothing to do with the house and we are both in the process of finding a new home before moving to the bank sends the 30 days notice to vacate the house. My sister at first was going to move to another house with her boyfriend, but now due to his lawyer (which I think is paying a very bad advice and I do not know anything about mortgage laws in Texas), said that no move out because the house is paid because (according to his lawyer), and if the bank (CHASE WASHINGTON MUTUAL now since merged with them) do not have to

ill give you some background first:
I got into a car accident. what happened was that I was turning left at a grocery store (this happened in a small side street, not at an intersection) was a 2-way street, so it is expected of vehicles in the lane to come to so I could go back. I finally had happened, so he proceeded to do my duty. the man behind me decided to be impatient and go for my left (in the next lane). therefore, when I turned, I became one side of his truck. I had a hole just above his head right light. every door left driver's side of my car is dented in. so we changed insurance information and went our separate ways. There was also a witness who saw all this and gave us his number if we needed anything.
so I made a claim with my insurance company and when I got home. told everyone what happened and that was it. the other involved completely diferent told a story, claiming that I was drawn to a right side of the road, I had my left signal, and suddenly took on his car. because stories differ, they called the lady who had witnessed this on your statement of what happened. she told me not pulled to the right of the raod as he said, and I was in the turning lane on the left doing, when he entered the lane coming to pass around. when asked if my signal lsft had been told she could not say whether it was because of where she was, his view was blocked.
so my insurance company concluded that because you can not fully verify my left signal was on or not, and because he came into the on coming traffic lane illegally go around me that the accident was 35% my fault and 65% of their guilt, so I am to pay 35% of the cost of repairing the damage, and he is to pay 65% ​​of what it costs to fix mine. although I know that it was all his fault, I realize that this is as fair as my insurance company was going to get, since they did not see what happened, they have to be objective about it. so this is a fair conclusion.
so my adjuster from my insurance company has been trying to call the adjuster for him, who have not returned their calls or voicmails. I've been doing the same and have not gotten any results. meanwhile, we paid 35% of the damage of my policy to fix his truck, meanwhile my door is still in bad shape, and we are avoiding.
Now that you have the background, here are my questions:
1. Is it legal for an insurance company to avoid both mine and my adjuster calls and messages?
2. to accept 35% of the cost to repair damage to his truck to my policy, does that mean I agree with the agreement 35/65 that my insurance company proposed to them? if so, not requiring them to pay 65% ​​of the damage to my car?
anyone who has worked for an insurance company and has extensive knowledge of such things would really help. thanks again, I know it is a very long question to read and I appreciate your help ... no 10 pts for the best person to answer my two questions regarding this situation.
4 hours ago
-. 4 days left to answer
Additional details
and in a footnote:
no, the cops were not called, so no one was cited for it. I really should have called the police, I kick your a $ $ for not calling. that's what I tend to think that people are honest. I do not think he would lie, but I've definitely learned my lesson the hard way.
and no I'm not going to get a lawyer for this because the cost of lawyer would cost more than the actual damage to my car, so it would be a waste of time and money.

I bought my house with my mom seven years ago , but she moved and gave it to me when I remarried. Am I considered bankruptcy , but the chapters are confusing . Mom's name is still on the note. My husband is self employeed and the house is also our

filed bankrupsy back on 9/21/00. I need to file agian. When i did this then of course I nver thought i would be doing it agian, but anyway i was told then that I had to wait 6 years. Now my question is....if I did this 5 years before this new law passed then can I file it agian, and then the new new law applies or do i have to wait 8 years even though it was before the new law passed. This was a chapter 7.
NOW another question...... If I cant do the chapter 7, will i be able to do chapter 13???

My husband and I have an appointment with a lawyer next week . We are wanting to file Chapter 7 . But , my husband filed Chapter 7 in 2005 , before we were married . I know nothing about bankruptcy . What are our options ? Chapter 13? In addition , one of the loans that we present in 4 wheels has one of the assurances he and my nephew has 4 wheels . I have to take that from him ? Are they going to take all of that loan guarantee ? Please help me out .

I recently had a Chapter 13 Bankrubtcy . I ended up in a contract year for three years , anyway had to end because apart from my husband . I was in charge of the bills and took care of everything else . I left the house again . My question is , if I have even a checking account can creditors or any person who should I take money from my bank account ? I called the bank is Chase Bank, and nobody seems to know the answer to my question . Thanks for any help .

I'm really interested to present bankrupcty . Ironic because I work for a bankruptcy attorney and that will really be doing my business without charge . But I do not want to ask this question . I'm behind on the rent and would like to keep my house . If I Chapter 13 ( where pay my debts back ) instead of a 7 would allow me to put my arrears within the plan and keep my house ?